# Grow Financial Federal Credit Union CD and share certificate rates

As of October 22, 2026, Grow Financial Federal Credit Union's highest tracked CD (share certificate) rate is 4.18% APY on a 24-month CD ($100,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.61% to 4.18% APY.

Canonical page: https://apyledger.com/cd-rates/grow-financial-federal-credit-union
Institution: Grow Financial Federal Credit Union (NCUA 9976)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:02.000Z (October 22, 2026)
Official source: https://www.growfinancial.org/personal/certificate-ira-certificate-accounts/
Coverage: Membership required. Certificates from 6 to 60 months with separate rates for $500–$99,999.99 and $100,000+ balances; term ranges are shown at their lower bound. IRA certificates are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate Account | standard | 6 months | $100,000 | 3.97% | Not ZIP-priced | −0.43% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 6 months | $500 | 3.87% | Not ZIP-priced | −0.53% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 12 months | $100,000 | 4.07% | Not ZIP-priced | −0.50% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 12 months | $500 | 3.97% | Not ZIP-priced | −0.60% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 18 months | $100,000 | 3.92% | Not ZIP-priced | −0.80% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 18 months | $500 | 3.82% | Not ZIP-priced | −0.90% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 24 months | $100,000 | 4.18% | Not ZIP-priced | −0.69% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 24 months | $500 | 4.07% | Not ZIP-priced | −0.80% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 30 months | $100,000 | 3.71% | Not ZIP-priced | −1.20% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 30 months | $500 | 3.61% | Not ZIP-priced | −1.30% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 36 months | $100,000 | 3.82% | Not ZIP-priced | −1.13% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 36 months | $500 | 3.71% | Not ZIP-priced | −1.24% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 48 months | $100,000 | 3.82% | Not ZIP-priced | −1.16% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 48 months | $500 | 3.71% | Not ZIP-priced | −1.27% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 60 months | $100,000 | 4.02% | Not ZIP-priced | −0.99% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |
| Certificate Account | standard | 60 months | $500 | 3.92% | Not ZIP-priced | −1.09% | 2026-10-23T02:10:02.000Z | [Snapshot 846](https://apyledger.com/snapshots/846) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.